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Terms and Conditions


Business, or organization that is eligible for Group Insurance, must be a legal entity only, such as

  1. Companies or corporations offer insurance coverage to their employers and employees. Eligible employees include full-time directors or business partners who are on the payroll as well as employees of subsidiary companies. The employer is a policyholder and employees receive coverage under the company’s group policy.
  2. Cooperative, as a policyholder, and members of the cooperative are covered under the cooperative’s group policy.
  3. Union, as a policyholder, and members of the union are covered under the union’s group policy.
  4. Institutions offer insurance coverage to their students, staff, and teachers by the institutions is the policyholder and students, staff and teachers are covered under the institution’s policy.

Participation Requirements

1. Employees, workers and members of a legal entity
2. Must be in good health state
3. The age must be within the limit range.
** Age not over 65 **

Number of eligible applicants for Group Insurance – categorised by participation level as follows;

1. Non-contributory plan – Employers pay the group insurance premium, requires 100% participation of all eligible employees or members (No fewer than 10 people)    
2. Contributory plan – Both Employers and employees mutually pay the group insurance premium, requires at least 75% participation of all eligible employees or members (No fewer than 10 people)

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